DKompounding 📈
2.2K posts
@spac_de
Long stock. Largest positions: $TSLA, $SOFI, $NVO, $PLTR & $SE. Investment Philosophy: Motley Fool (Rule Breaker Investing). Sleep #: 25
SoFi just became the first national US bank to launch a stablecoin to its entire user base that is 1:1 redeemable for USD. This is a fascinating story. But pay attention to the fact that SoFi offers a stablecoin and a tokenized deposit, side by side. Why?
Say “hi” to SoFiUSD (SoFiD) 👋 The first stablecoin issued by a U.S. national bank and redeemable 1:1 for cash or cash equivalents. Rolling out now, it’s built for how money moves today: fast, flexible, 24/7.
Greats news for US-based investors. If you're outside the US: CALL every brokerage you can and ask if they're participating in the SpaceX IPO and if you can get an allocation. Report back with results. Country. Brokerage. Yes/No? This will help other investors.
FSD Supervised now rolling out to Teslas in Lithuania 🇱🇹! Making European roads safer, one by one
$SOFI CEO Anthony Noto just bought ANOTHER 15,545 shares of SOFI at a total cost of ~$250,000. $500k total in the last 2 trading days.
SoFi Family, I apologise in advance for the long post that follows, but I feel it is timely and I hope it helps some of you (myself included) during these testing times. For all SoFi Shareholders and the faithful OG’s: The hardest part of investing is not finding great businesses. It’s having the emotional discipline to hold them while the market runs off chasing whatever shiny object currently dominates the narrative. Right now, that narrative is AI. Every second ticker symbol suddenly has “AI exposure”, “AI infrastructure”, or “AI-enabled” slapped onto the investor deck and the market is rewarding it accordingly. Meanwhile, SoFi sits in the mid-teens and people start questioning themselves: “Did I back the wrong horse?” “Should I just rotate into whatever is moving?” “Maybe the market knows something I don’t?” This is where conviction gets tested. Not when your stock is euphorically ripping higher and everyone on FinTwit is posting rocket emojis. Not when CNBC is calling your CEO a visionary every second day. Not when your portfolio is glowing green and your IQ magically feels 30 points higher. No. Conviction is tested in periods exactly like this. And let’s be honest here: What is fundamentally wrong with SoFi right now? Revenue growth remains strong. Member growth remains strong. Product growth remains strong. Deposits continue compounding. Cross-buy continues improving. Credit performance has remained disciplined. Galileo and Technisys continue building long-term infrastructure value (don’t underestimate the value they bring internally) Management continues to execute and, importantly, continues to build TRUST by meeting or exceeding the targets they lay out. That matters. One of the greatest edge(s) in investing is management credibility. Markets can ignore it temporarily, but over time, trust compounds. Graham and Buffett often talked about the market being a voting machine in the short term and a weighing machine in the long term. Right now, the market is voting for narrative, momentum and AI exuberance. Eventually, it weighs earnings power, cash flow generation, execution and intrinsic value. Peter Lynch warned repeatedly that people lose more money preparing for corrections (or chasing the next exciting thing) than in the corrections themselves. He also said the big money is not made in the buying or selling, but in the waiting. Waiting is psychologically brutal when other stocks are exploding upward around you. Trust me. I know how it feels. Believe me. Joel Greenblatt spoke about how value strategies often look “wrong” before they look incredibly right. Seth Klarman has written extensively about the discomfort required to outperform; because if your positions feel socially comfortable all the time, you’re probably just hugging consensus. And that’s the key point. If everyone already agreed SoFi was massively undervalued, it wouldn’t still be sitting at these levels. The opportunity exists because the market remains distracted. People need to ask themselves a simple question: “Has the intrinsic value trajectory of the business deteriorated?” Or… “Has sentiment simply wandered elsewhere temporarily?” Those are not the same thing. Markets move in cycles. Narratives rotate. Capital rotates. Sentiment rotates. But genuine compounding businesses with improving ecosystems, expanding margins, growing customer bases and trustworthy management teams eventually force the market to pay attention. When? Nobody knows! That’s the fundamental truth. The irony is that many investors sell right before the payoff period arrives because they become exhausted from waiting. Don’t let impatience destroy good due diligence. If @DataDInvesting THE “SoFi retail investor OG” says his conviction is even stronger now that he works on the “inside”, what does that tell you? Is that a red flag or a pretty significant hint?! If your original thesis remains intact and management continues executing (as they always have done) then temporary stagnation in share price is not necessarily risk. The counterintuitive argument would be that it is opportunity. Sometimes it is simply the market handing patient investors additional time. As Buffett said: “The stock market is a device for transferring money from the impatient to the patient.” Stay rational. Stay objective. (and most importantly): Remain faithful to YOUR judgement Best wishes, All ❤️
The game theory in AI has shifted. Having a leading foundational model is important but increasingly it is the zoning approved, powered land that is the gating bottleneck. Add turnkey access to silicon and it’s checkmate. If you have that, you have immense negotiating leverage right now. As data centers get voted down, this leverage will only increase. Elon just proved it with Cursor. Now imagine the deals that OpenAI and Anthropic will have to do in the next few years? The Amazon-Anthropic deal was an appetizer. If you are a sharp on the other side who owns the right assets… 🤤
One is the loveliest number ☝ We’re honored to be named the #1 Bank in the United States on @forbes list of World’s Best Banks of 2026. “We're using technology to help our members take action, make smarter decisions, and reach their goals.” - @anthonynoto, SoFi CEO Read all about it: forbes.com/sites/shefalik…
